CREDIT CARD CONSOLIDATION LOANS

from
5.95%*5.85%*APR with AutoPay

and special listener discount.

Why LightStream?

Watch our video

$100 Loan Experience Guarantee1

We will beat any qualifying rate.2

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

Why LightStream?

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3

$100 Loan Experience Guarantee. Disclosure 1 to follow.

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

We will beat any qualifying rate. Disclosure 2 to follow.

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

Why LightStream?

Watch our video

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3

$100 Loan Experience Guarantee1

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

We will beat any qualifying rate.2

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

Low rates. Great service. That's Lending Uncomplicated.®

Radio and podcast listeners save with discount.

If you have good credit and like to save money, this will be music to your ears: Radio and podcast listeners get an exclusive .10% APR discount off LightStream’s already low interest rates.

You could potentially improve your credit score.

In a four-month period, 62% of customers who took a
LightStream debt consolidation loan saw their FICO®
score increase by more than 20 points.4

We can fund your loan as soon as the day you apply.3

You’re in control of the loan process
with LightStream. You choose your
funding date, and you can even have
funds deposited into your account as
soon as the same day you apply.

No fees. Seriously, no fees at all.

Many lenders have application, origination, payment or transaction fees, and prepayment penalties that add to your costs. Not LightStream. We have no fees.

The LightStream experience

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

Unsolicited customer comments

I just wanted to let you all know how much I appreciate you giving me this loan. It has helped me consolidate my credit cards and debt and I am able to pay them down faster. You have been one of the best experiences for me with a loan and made it so easy and simple. I am a LightStream/SunTrust fan for life!

— P.C. from Petersburg, WV

I just want to say that I wish I had heard of LightStream earlier as it would have saved me very much. The application process was professional and very easy. I would recommend to anyone who is trying to get their finances under control. Thanks.

— R.B. from New Albany, MS

Just wanted to say our loan experience with you has been fantastic! The process was by far the easiest and close to the quickest loan process I have ever gone through. We had very good credit before but now it’s "exceptional" according to FICO and I think the changes we made by consolidating debt using LightStream made all the difference. I rarely write things like this but really have been amazed and thrilled with your company. It actually feels unbelievable; not sure how you all did it but somehow you designed an incredible experience and I look forward to borrowing from you again.

— S.R. & J.R. from West Hatfield, MA

I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it.

— N. A. from Denver, CO

Comment 1 of 4

I just wanted to let you all know how much I appreciate you giving me this loan. It has helped me consolidate my credit cards and debt and I am able to pay them down faster. You have been one of the best experiences for me with a loan and made it so easy and simple. I am a LightStream/SunTrust fan for life!

— P.C. from Petersburg, WV

Comment 2 of 4

I just want to say that I wish I had heard of LightStream earlier as it would have saved me very much. The application process was professional and very easy. I would recommend to anyone who is trying to get their finances under control. Thanks.

— R.B. from New Albany, MS

Comment 3 of 4

Just wanted to say our loan experience with you has been fantastic! The process was by far the easiest and close to the quickest loan process I have ever gone through. We had very good credit before but now it’s "exceptional" according to FICO and I think the changes we made by consolidating debt using LightStream made all the difference. I rarely write things like this but really have been amazed and thrilled with your company. It actually feels unbelievable; not sure how you all did it but somehow you designed an incredible experience and I look forward to borrowing from you again.

— S.R. & J.R. from West Hatfield, MA

Comment 4 of 4

I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it.

Media coverage

“LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

— The Simple Dollar, "Best Online Personal Loan Companies for 2018"

“Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank…
LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

— NerdWallet, "LightStream Auto Loans: 2018 Review"

“LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

— Magnify Money, "Where to Get The Best Personal Loan Rates Online"

“… recognized based solely on surveys about the workplace completed by their employees.
Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

— San Diego Union Tribune, "2017 Top Workplaces"

Comment 1 of 4

“LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

— The Simple Dollar, "Best Online Personal Loan Companies for 2018"

Comment 2 of 4

“Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank…
LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

— NerdWallet, "LightStream Auto Loans: 2018 Review"

Comment 3 of 4

“LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

— Magnify Money, "Where to Get The Best Personal Loan Rates Online"

Comment 4 of 4

“… recognized based solely on surveys about the workplace completed by their employees.
Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

— San Diego Union Tribune, "2017 Top Workplaces"

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

Unsolicited customer comments

I just wanted to let you all know how much I appreciate you giving me this loan. It has helped me consolidate my credit cards and debt and I am able to pay them down faster. You have been one of the best experiences for me with a loan and made it so easy and simple. I am a LightStream/SunTrust fan for life!

— P.C. from Petersburg, WV

I just want to say that I wish I had heard of LightStream earlier as it would have saved me very much. The application process was professional and very easy. I would recommend to anyone who is trying to get their finances under control. Thanks.

— R.B. from New Albany, MS

Just wanted to say our loan experience with you has been fantastic! The process was by far the easiest and close to the quickest loan process I have ever gone through. We had very good credit before but now it’s "exceptional" according to FICO and I think the changes we made by consolidating debt using LightStream made all the difference. I rarely write things like this but really have been amazed and thrilled with your company. It actually feels unbelievable; not sure how you all did it but somehow you designed an incredible experience and I look forward to borrowing from you again.

— S.R. & J.R. from West Hatfield, MA

I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it.

— N. A. from Denver, CO

Comment 1 of 4

I just wanted to let you all know how much I appreciate you giving me this loan. It has helped me consolidate my credit cards and debt and I am able to pay them down faster. You have been one of the best experiences for me with a loan and made it so easy and simple. I am a LightStream/SunTrust fan for life!

— P.C. from Petersburg, WV

Comment 2 of 4

I just want to say that I wish I had heard of LightStream earlier as it would have saved me very much. The application process was professional and very easy. I would recommend to anyone who is trying to get their finances under control. Thanks.

— R.B. from New Albany, MS

Comment 3 of 4

Just wanted to say our loan experience with you has been fantastic! The process was by far the easiest and close to the quickest loan process I have ever gone through. We had very good credit before but now it’s "exceptional" according to FICO and I think the changes we made by consolidating debt using LightStream made all the difference. I rarely write things like this but really have been amazed and thrilled with your company. It actually feels unbelievable; not sure how you all did it but somehow you designed an incredible experience and I look forward to borrowing from you again.

— S.R. & J.R. from West Hatfield, MA

Comment 4 of 4

I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it.

Media coverage

“LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

— The Simple Dollar, "Best Online Personal Loan Companies for 2018"

“Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank…
LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

— NerdWallet, "LightStream Auto Loans: 2018 Review"

“LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

— Magnify Money, "Where to Get The Best Personal Loan Rates Online"

“… recognized based solely on surveys about the workplace completed by their employees.
Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

— San Diego Union Tribune, "2017 Top Workplaces"

Comment 1 of 4

“LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

— The Simple Dollar, "Best Online Personal Loan Companies for 2018"

Comment 2 of 4

“Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank…
LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

— NerdWallet, "LightStream Auto Loans: 2018 Review"

Comment 3 of 4

“LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

— Magnify Money, "Where to Get The Best Personal Loan Rates Online"

Comment 4 of 4

“… recognized based solely on surveys about the workplace completed by their employees.
Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

* Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $10,000 loan at 5.85% APR with a term of 3 years would result in 36 monthly payments of $303.54.

Maximum APR for a LightStream loan is 20.49%.

1 After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire,
we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify
for the Loan Experience Guarantee.

2 We are so confident in the competitiveness of our interest rates that we will beat an interest rate (APR) presented by any other lender by .10 percentage points, if the other lender’s rate meets the terms and conditions
described below:

Terms:

The lender’s interest rate (APR) must not be supported by any third-party arrangements such as vehicle manufacturer subvention payments (with rates as low as 0.0% APR), other manufacturer discounts, rate buy-downs by car buying services, or any other
similar third-party subsidized rate offerings.

The lender’s interest rate offer must be generally available to all of its customers who share a similar credit risk profile (so that employee-discount programs or other special, limited lending programs would not qualify).

LightStream will offer a rate that is .10 percentage points below the specific rate offered by a competing lender.

Conditions:

The interest rate (APR) must be for the same loan amount, loan term, loan purpose and payment method (auto debit or invoice) that are being offered by LightStream. The offer applies to fixed-rate loans only. Variable-rate loans do not qualify.

You need to be approved for the other lender’s interest rate (APR).

If requested by us, you will need to supply LightStream with evidence, to its satisfaction, that the other lender’s interest rate (APR) meets the Rate Beat program terms and conditions described here. This could include an approval letter, loan document
containing the APR, or other documentation that LightStream finds sufficient.

This offer expires if the terms and conditions are not satisfied prior to 2 p.m. Eastern time on the business day prior to loan funding.

These terms and conditions are subject to change at any time.

3 You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide
us with your funding preferences and relevant banking information; and (3) complete the final verification process.

4 FICO® is a registered trademark of Fair Isaac Corporation. Findings based on internal LightStream customer data analysis, October 2018 through February 2019. Future score lifts assume that credit balances remain low after being paid off through a debt consolidation loan.

At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.

In addition, for every loan that we fund for our customers,
we will have a tree planted in one of our country's fragile habitat communities currently under restoration.

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